OCBC Rewards Card

Name: OCBC Rewards Card
Brand: OCBC
Price: 196.2 SGD
Availability: InStock
Rating: 4.1 (1 reviews)

4.1

WalletWalk Rating

Best for maximising shopping rewards

Last updated: 01-Oct-2025

Overview

The OCBC Rewards Card maximizes shopping rewards with up to 15 OCBC$ per dollar at selected retailers. Earn 6 miles equivalent on Watsons and popular online platforms including Lazada, Shopee, and TikTok Shop. Perfect for dedicated shoppers who concentrate spending on retail categories. Over 250,000 cardholders benefit from quarterly merchant promotions.

Pros

↑Up to 15X OCBC$ earnings
↑Strong online shopping rewards
↑First 2 years free

Cons

↓10X Rewards are capped at S$1,000/month
↓Base rewards rate is very low
↓Points expire after 2 years

Key Highlights

Welcome Offer
Pierre Cardin suitcase
Worth S$349
New customers only
Spend S$60 minimum

Reward Rate
Up to 6 miles per S$1
15 OCBC$ selected merchants
10 OCBC$ online/retail
Capped monthly

Minimum Salary
S$30,000 annually
Citizens/PRs: S$30,000
Foreigners: S$45,000
Age 55+: S$15,000

Annual Fee
S$196.20 (incl. GST)
First 2 years free
S$10,000 annual spend for waiver

Highlight 6
Shopping maximizer
Online shopping focus
Quarterly promotions
Miles conversion

Key Benefits

Bill Payment

★3.0

▼

Standard OCBC$ earning
All bills eligible

Fuel

★4.0

▼

14% Esso discount
Station privileges

Reward Points

★4.5

▼

Up to 15 OCBC$
Miles conversion

Shopping

★5.0

▼

15 OCBC$ at Watsons
Online platforms bonus

Merchant Offers

▼

Quarterly merchant rotation
Special campaigns

Liability Protection

▼

E-commerce protection
Fraud monitoring

Balance Transfer

▼

Available
Standard terms

Emi

▼

0% at partners
Various tenures

First Year Free

▼

First 2 years free
Spend for waiver

Detailed Information

Annual Fee	S$196.20 (incl. 9% GST)
Annual Fee Waiver	S$10,000 annual spend
Monthly Percentage Rate	2.32%
Annual Percentage Rate	27.78%
Minimum Monthly Payment	3% or S$50, whichever higher
Foreign Currency Markup	3.50%
Late Payment Charges	S$100 (incl. 9% GST)
Overlimit Charges	S$40 (incl. 9% GST)
Cash Advance Fee	6% or S$15, whichever higher
Balance Transfer Fee	1.58% processing fee
Fee For Supplementary Card	S$98.10 (incl. 9% GST)
Card Replacement Fee	S$10.70 (incl. 9% GST)
Fee For Duplicate Statement	S$10 per statement

Identity Proof	NRIC (Citizens/PRs) Passport (Foreigners)
Address Proof	Latest utility bill Bank statement Tenancy agreement
Income Proof Salaried	Latest 3 months payslips Latest Income Tax Notice CPF Contribution History
Income Proof Self Employed	Latest 2 years Income Tax Latest 6 months bank statements Financial statements

OCBC Rewards Card

Age Requirement Salaried	21 years and above
Age Requirement Self Employed	21 years and above
Minimum Annual Income Salaried	S$30,000
Minimum Annual Income Self Employed	S$30,000

Age Requirement Salaried	21 years and above
Age Requirement Self Employed	21 years and above
Minimum Annual Income Salaried	S$30,000
Minimum Annual Income Self Employed	S$30,000

OCBC Rewards Card

Overview

Pros

Cons

Key Highlights

Key Benefits

Detailed Information

Related Products

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